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How to Buy Cheap Life Insurance Policy

Are You Looking to Buy a Cheap Life Insurance Policy?

If so, you may want to follow some helpful tips to save you time and money on your search for low cost life insurance protection.

What’s the Cheapest Life Insurance?

That’s an easy one. Term life insurance usually costs 2 to 3 times less than whole life insurance. Why? Because, term life insurance is temporary life insurance providing you with protection for up to 30 years. You can choose a "term" of 10, 15, 20 or 30 years of life insurance to meet your needs.

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How Can You Buy Life Insurance Policy?

You have several options for buying life insurance – Contact a local agent, call insurers direct, or visit a life insurance website that offers instant life insurance quotes online and licensed representatives to assist you in comparing plans, choosing coverage, and purchasing your life insurance policy.

What Type of Life Insurance Plans are Available to Buy?

If you want to buy term life insurance for 10, 15, 20 or 30 years of life insurance protection, you have the option of applying online for level term life insurance which is the most popular type of term life insurance.

Level term life insurance offers you guaranteed level rates and life insurance coverage that remains the same for the entire term 10, 15, 20 or 30 years) of your term life insurance policy.

Do I Have To Take a Medical Exam?

That depends on your age and health, the insurance company, and the amount of life insurance you need.

Usually, life insurance companies do not require a full physical examination if you are under 30 and buying less than $100,000 of life insurance coverage.

If the insurance company does require a physical exam, they will pay for it.

Term life insurance with no physical exam required is another option available to you. Term life with no exam offers you the option of buying life insurance today, if you qualify.

Term life insurance without an exam offers you up to $1,000,000 of term life insurance without having to take a physical exam, blood or urine tests.

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Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

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